Starting with a Credit Score of Zero

It won’t actually be zero, but if you have never had credit in the past, it will be pretty low. There is no one standard number that credit agencies start you out at, but it is often lower than the average person with a credit history.
No Credit Worse than Bad Credit
You’ve probably...
Starting with a Credit Score of Zero

When You Don"t Have Enough Credit

While many people worry because they have too much credit, it is easy to go in the other direction and not have enough. They work hard to clean up bad debts, pay off credit cards and collections, and vow never to get in that situation again. Their answer is to pay everything with cash and never...
When You Don"t Have Enough Credit